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Republic Bancorp, Inc. RBCAA R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.republicbank.com
Company Profile ↓
$96.80
+35.80% 1Y
Mkt Cap$1.69B
P/E14.80
P/B1.68
Div. Yield1.98%
52W High$100.64
52W Low$63.73
Book Value$58.91
EPS (TTM)$6.54

Company Overview

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 14.8.

Healthy Margins

Maintains a net profit margin of 33.5%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $411.12M (+8.5% YoY); net profit $131.32M.
  • Trailing 12 Months Year-on-year growth — revenue +4.4%, earnings +4.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.0%, profit CAGR 7.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.02%
1 Year:4.40%

Compounded Profit Growth

5 Years:7.87%
1 Year:4.00%

Stock Price Performance

1 Year:+35.80%
6 Months:+42.41%
3 Months:+15.23%
1 Month:-2.83%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$63.73 $100.64
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.02 · Neutral
Price Performance
1M-2.83%
3M+15.23%
6M+42.41%
1Y+35.80%
Valuation vs Sector

P/E of 14.80 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 33.5%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.80
Industry PE
14.52
Forward P/E
14.03
PEG Ratio
1.27
Book Value
$58.91
Price to Book
1.68
P/S
5.09
EV/EBITDA
-
Dividend Yield
1.98%

Growth (CAGR)

Revenue 5Y
6.02%
Profit 5Y
7.87%
Revenue (YoY)
4.40%
Earnings (YoY)
4.00%

Profitability & Returns

ROCE
-
ROE
11.55%
ROA
1.82%
Profit Margin
33.47%
Op Margin
45.02%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$6.54

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$255.69M
Total Assets
$7.06B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
51.51%
Chg in Prom Hold
0.00%
FII / Inst Holding
33.16%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$1.69B
Total Revenue (TTM)
$382.45M
EBITDA
-
Free Cash Flow
$161.11M
Operating Cash Flow
$168.21M
Shares Outstanding
17.48M
Gross Margin
0.00%
Payout Ratio
28.93%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RBCAA Republic Bancorp, Inc. R2KR3KFINANCIAL 96.80 14.80 $1.69B 1.98% - 11.55% 6.02% 7.87%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ------81.36M56.06M58.68M-95.21M65.38M64.50M-99.72M69.07M68.30M-103.31M67.50M71.45M-96.82M71.95M71.95M-94.18M82.38M73.70M115.32M84.18M79.17M120.29M86.88M88.12M135.84M93.85M93.54M120.41M101.27M
Net Income 5.64M7.42M17.73M8.34M9.83M10.00M20.02M10.07M10.71M4.84M27.47M15.67M17.41M17.31M29.52M18.01M18.41M25.77M26.70M15.80M20.39M20.36M26.05M23.96M20.38M17.22M28.35M24.35M19.90M28.09M21.05M21.57M30.61M25.21M26.54M47.27M31.48M29.74M42.57M32.87M
Diluted EPS --0.77-------------------------------------

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------289.48M311.13M319.37M-308.73M354.27M378.96M411.12M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------7.49M67.28M120.83M103.84M
Pretax Income -------------116.84M113.21M127.70M165.71M
Tax Provision -------------25.74M22.84M26.33M34.39M
Net Income 42.13M64.75M94.15M119.34M25.42M28.79M35.17M45.90M45.63M77.85M91.70M83.25M-91.11M90.37M101.37M131.32M
Diluted EPS -------------4.594.625.216.72

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.62B3.42B3.39B3.37B3.75B4.23B4.82B5.09B5.24B5.62B6.17B--6.17B---5.84B6.59B6.85B7.04B
Total Equity 275.92M316.02M371.38M452.37M536.70M542.79M558.73M576.55M604.41M632.42M689.93M764.24M823.32M845.13M839.07M835.05M841.58M843.87M843.06M856.61M912.76M992.03M1.10B
Cash & Equivalents 616.30M1.07B786.37M362.97M137.69M170.86M72.88M210.08M289.31M299.35M351.47M385.30M485.59M--756.97M---313.69M316.57M432.15M219.97M
Total Liabilities --3.25B2.97B2.86B2.83B3.19B3.65B4.21B4.45B4.55B4.86B5.35B5.34B5.35B5.26B5.51B5.27B5.16B4.98B5.68B5.85B5.94B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 72.08M89.23M123.60M86.28M22.26M26.70M50.05M47.67M77.78M119.21M105.19M75.43M-154.79M108.53M149.00M168.21M
Investing Cash Flow 447.12M-8.33M-279.16M995.28M43.55M-470.89M-358.21M-296.13M-287.11M-121.53M-435.21M-422.02M--254.51M-516.95M-181.03M-436.12M
Financing Cash Flow -67.32M-362.71M-267.84M-1.31B-32.64M346.20M445.37M327.69M219.38M54.45M363.85M446.87M--343.56M411.30M147.61M55.73M
Capital Expenditure -3.99M-4.27M-3.73M-3.89M-5.02M-7.76M-5.32M-7.03M-12.38M-9.82M-12.88M-3.58M--3.50M-6.90M-5.81M-7.10M
Free Cash Flow 68.09M84.97M119.88M82.39M17.23M18.95M44.73M40.64M65.39M109.39M92.30M71.85M-151.29M101.64M143.19M161.11M
Net Change in Cash --------------443.28M2.88M115.58M-212.18M
Share Buybacks 868.00K390.00K492.00K1.67M4.09M347.00K551.00K1.21M1.05M827.00K1.42M3.94M47.53M12.58M20.28M-72.00K
Dividends Paid 10.38M11.36M12.31M36.12M14.01M14.93M15.84M16.77M17.66M19.50M21.38M23.20M24.70M26.14M28.35M30.51M33.85M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------26.9%29.5%26.1%-29.5%25.5%26.7%31.9%
ROE % 13.3%17.4%20.8%22.2%4.7%5.2%6.1%7.6%7.2%11.3%12.0%10.1%-10.6%9.9%10.2%11.9%
ROCE % -----------------

Shareholding Pattern

Insiders
51.51%
Institutions
33.16%
Public Float
68.38%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dimensional Fund Advisors LP 5.33% 933.06K $88.55M
2 Blackrock Inc. 4.52% 790.34K $75.00M
3 Vanguard Capital Management LLC 3.59% 628.31K $59.63M
4 American Century Companies Inc 2.27% 397.38K $37.71M
5 Morgan Stanley 1.96% 342.25K $32.48M
6 State Street Corporation 1.92% 336.45K $31.93M
7 Geode Capital Management, LLC 1.44% 252.43K $23.96M
8 Gendell, Jeffrey L. 0.82% 142.92K $13.56M
9 Bridgeway Capital Management, LLC 0.75% 131.46K $12.48M
10 Two Sigma Investments, LP 0.66% 114.64K $10.88M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for RBCAA

Google News hu, 03 Sep 2026

A bank makes the U.S. top 25 for a second year. It’s Republic Bank. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxORmNYWmF3a0I2NjNJVlY0VmZCazd4RTdKcDNSdVhfSG5fVnJ6S1J1RDFxUk5mTHVMekJ5REZVUGxjeTRtNXdUNk11NDBaNTZJREI4dC0tdHltT2piYkM4a19xcWxNaHRyOTdBd2FUQ2xkRXJkUFhaWHhUNUNRVGhjSVdsaFB1c0F3MVQyVF…

Google News Wed, 26 Aug 2026

Republic Bancorp (NASDAQ:RBCAA) Stock Crosses Above 200 Day Moving Average - Should You Sell? - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi4gFBVV95cUxNWEtaSTBZUE1RclhSRVdET1FyREk3R3E3MWJhSE1OUndwS0dtTW5ZS3F1czFsbHQ3cXRDU0ItY0VYYXF6OTV0YzlWdkdFT2hlTmR0V0tPOXpEVnQ0SlB5NnE3MVZxc0kyODd0ZWxOc0FpSXZYQUxhUmx1SjJ5d252Q1NZTHZ0UTNmSnI1QW…

Google News ue, 21 Jul 2026

3 Reasons RBCAA is Risky and 1 Stock to Buy Instead - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMikgFBVV95cUxOR0pUbEJnOXNYNXdRLVEyNDlISXE3cGN4WG9FMjJydFpJS2ZBWVVMUTM0YXVJN3B2anFPRGlsUDBCX0RLdFdoQXNsaGpHdGZkQlZDV0JLZFpkekxQQkxBejlreVQzYkxBUnQ2SDdzRGdZWEdCZExTUG9XNTJDRWl1QVAzVDYzdlBvSnNMYW…

Google News hu, 03 Sep 2026

Republic Bancorp (RBCAA) interim president discloses 3,742.884 Class A shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMizAFBVV95cUxQY0Z0ZEJZcllKVWk4cWxDbWJqU2Y1ZUFnTnV4cXFWb2xuNjRnNWhhQ0VzcHotWEpVcnVzdmRNa1V3WDJnNGNyNGdyeGV1NGM4MTRpaldqbDBHTlRmRzNWUTdWaGdkbTVjNEpaSWE4b29pSGRELVVHVWRJbzN0aTNILVl6V2QxYWd4bktDVF…

Google News Mon, 24 Aug 2026

Republic Bancorp: Strong Results, But The Easy Upside May Be Gone (NASDAQ:RBCAA) - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMipwFBVV95cUxOSld0VGoyOC12VDVua0Jrck1OUlFtWFBJTFgxMlFObk5rajdsUS1EOUxTX084bTNfQVdNeDcxaG1VUVFtVUwtMWo1bEtheWZEWHpkendMbEVfaEhDMm94cWFJYS1Na1gtc2pQcUJQbEctZE9Ld1dxd0plbTRPRWV0UXQyREVCSVJKVTBzZV…

Google News ue, 23 Jun 2026

Q1 Earnings Outperformers: Republic Bancorp (NASDAQ:RBCAA) And The Rest Of The Regional Banks Stocks - StockStory

<a href="https://news.google.com/rss/articles/CBMi7AFBVV95cUxPSmZncXhrbkc5STA0WHVuYkRPVWZSR1d3cGhGLWZFVzM1UUVOT1JvSVZUdXJHeFNIdTBCMkFGWmlJd3g0VzNiTzFzX0Q1N01ZNm1xNUZDQ19FUVlVcEY5YmNXVHc4TWpVOHpkNUwyNHFiRjVQQ2dyQXlHWkswLVdMc1NZWlhwczNvaGJvRl…

RBCAA — Frequently Asked Questions

What is the current share price of Republic Bancorp, Inc. (RBCAA)?

As of 2026-09-07 16:24 PDT, Republic Bancorp, Inc. (RBCAA) trades at $96.80 on NasdaqGS. Its 52-week range is $63.73 to $100.64.

What is the market capitalisation of RBCAA?

Republic Bancorp, Inc. (RBCAA) has a market capitalisation of $1.69B on NasdaqGS.

What is the P/E ratio of RBCAA?

RBCAA trades at a trailing price-to-earnings (P/E) ratio of 14.80. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.68.

Does RBCAA pay a dividend?

Republic Bancorp, Inc. (RBCAA) currently offers a dividend yield of 1.98%.

What is the return on equity (ROE) of RBCAA?

RBCAA has a return on equity (ROE) of 11.55%.

Is RBCAA a good stock to buy?

This page provides a data-driven analysis of Republic Bancorp, Inc. (RBCAA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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